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Hi - Does anyone know if using a paid or non-paid credit monitoring service (i.e. My FICO, Credit Karma) affect credit score? I'm wondering if when they pull my credit scores if it counts as an inquiry. Many Thanks!!!
Using a CMS will not affect your score. Including if you pull your reports and/or score 40 times a year.
When you check your own scores, it results in a soft pull. A soft pull cannot impact your score.